January 2017 Newsletter

A Monthly Newsletter to Inform and Entertain Our Customers

It is our way of saying that you are important to us and we truly value your business. Please feel free to pass this newsletter on to friends and neighbors. Enjoy!

Times to Reconsider Your Life Insurance Coverage

Life insurance is designed to provide support and
financial stability for your loved ones and designated
beneficiaries in the event of your death. Different
times in your life or different life events can result in
the need to increase or decrease your insurance

In most cases, life insurance policies can only be
changed on renewal dates or with specific life events.

It is important to read your policy and known when you can increase or decrease your coverage. In general, there are some very specific times when you should talk to your life insurance agent. This will allow you to assess if you need to change an existing policy or perhaps add or remove a policy from your insurance coverage.

  • Marriage – If you marry, you should consider increasing your coverage based on your financial obligations. You and your spouse should consider coverage that will pay off the mortgage and other debts, leaving the survivor without these financial worries.
  • Birth of a child – At the time of the birth of a child, there may be the need to increase coverage to allow the other parent to stay home and raise the child or children with enough income to live comfortably.
  • Divorce or loss of a spouse – If you are divorced or if your spouse is deceased, you may wish to consider lowering your coverage, particularly if you have no children or if your children are out of the home.
  • No debt – If you are fortunate enough to have your home, credit cards, student loans, and other debts paid off, there is less need to carry a large insurance policy. Reducing the policy and using the saved premium in a higher interest investment may be a more cost-effective option.
  • New career – When you move into a new career with a higher pay level or if you advance in your current career, increasing your life insurance coverage to accommodate for an improved standard of living for the family should be a consideration.

As everyone's needs are different, talking to your insurance agent is always the first and most important step in changing your coverage levels.

Preschoolers and Nutrition

Preschool children can be very fussy eaters,
but they are also very impressionable,
making it the ideal time to begin establishing
a foundation for healthy eating habits and
good nutrition. Habits, preferences and
tastes that will last into adolescence and
adulthood can be established by the foods
parents choose to give their young children,
making it all the more important to provide
them with a healthy diet.

One good way to promote healthy eating and good nutrition in young children is to set aside snack and regular meal times to help to discourage idle eating, and make the times before meals and snacks quiet, as children who are relaxed tend to eat better.

Make sure your child has plenty of time in which to eat the meal. Kids often refuse to eat new and unfamiliar meals multiple times before finally trying them out, so make sure any new food served is surrounded by more familiar foods.

Children should be exposed to a wide array of healthy food items as early as possible, with lots of variety from all of the different food groups to help them develop broader tastes.

Accelerated Study Tips

Learning is a vital tool for anyone who wants to
achieve more in their life, and in cases where the
learning process needs to be accelerated there
are a number of tips that can help to make that

One of the most important things to be aware that
working fast due to being under pressure can
actually end up being counterproductive.

Stress causes cortisol to be released into the
bloodstream, which actually blocks memory and
effective concentration, so measures needed to be
taken to minimize stress and achieve a calm state.

Being in a calm state makes it much easier to focus on things, and elevates the ability to understand in an effective manner, in turn increasing the motivation to study.

It is also a good idea to avoid caffeine and energy drinks and stick to water in order to stay hydrated while studying, which studies have shown results in significantly better recall.

Learning meditation is a good idea as well, as in addition to the many other benefits than meditation can bring, it has also been shown to aid memory and concentration.

Dealing With Difficult Conversations

Tough conversations with members of your
family still have to be had regardless of how
difficult they may be or how they may react.

People often prefer to ignore difficult or touchy
subjects such as death, prejudice, illness,
finances or politics for a number of reasons
including shame or fear.

However failing to have transparent discussions can result in people feeling uncomfortable and isolated within their own families, making it important for families to have an environment filled with open dialogue, particularly during discussions with young children.

If necessary you may even want to think about using a family therapist for the purposes of mediation or staging some kind of family meeting.

It is crucial in such conversations to not lie and be honest about your thoughts and feelings, though you also need to look at the reasons for the difficulty in having such conversations in your family and be aware of potential consequences.

Team Member Highlight of the Month

I am Darrin Railsback and I have been with Insure Right Insurance Agency since 2009. I love my life and am grateful for all of my family and friends I am able to spend time with.  The insurance business has been great for me.  I love to help secure the future for all my clients and build lasting relationships with each of them.  Tip – Always remember to protect yourself by choosing the right limits of insurance coverage and operating your vehicles in the safest way possible.  Life is short, so being prepared is of the utmost importance!  Superhero power of choice is of course being able to Fly so I can get to where I need to be in a flash!


Don't forget about our Referral Rewards Program!!!

Every time you send your brother, sister, mother, father, cousin, coworker, neighbor or whoever – to our agency and we are able to provide a them with a proposal for their insurance – you will receive a a great gift.

To learn more CLICK HERE for the details

Financial Advice for Millennials

The generations can be very different, and financial concerns are just one of the areas where this truism is highlighted.

Baby boomers are more worried about retirement while the financial concerns of millennials tend to center more on student loans.

There are a number of distinct financial challenges facing millennials, including an increased cost of living and higher levels of student debt than ever previously recorded.

There are some ways that millennials can get on track however. Getting out of debt is one of the most important things you can do. Setting limits on yourself is vital to avoid falling into the financial credit trap, meaning it is important to be honest about what you can truly afford.

You also need to concentrate on paying off debts as soon as possible and coming up with a spending plan as way to spend more money wisely and in moderation.

It is also a good idea to build an emergency fund to cover any unexpected situations that may occur such as medical bills and car repairs.

Home & Fire

Life Insurance

Workers Compensation

Mortgage Protection

Cars & Trucks

Classic & Antique Cars


Boat & Watercraft

ATVs & Recreational Vehicles 

Flood – All Types

Renter (Tenant) Protection

Condos & Townhomes

Rental & Investment Property?

Business Liability

Business Property

Business Cars & Trucks

Mechanical Breakdown


Professional Offices

And much more, Just ASK!

Have something you would like to share? A life hack, tip or trick, family recipe or community event? Are you interested in having your business highlighted? We want to hear about them! Send all submissions to Aimee@insureright.biz with the subject line " Monthly Newsletter"

Thank you for choosing Insure Right Insurance Agency for your insurace needs! We appreciate you and your business!!